The first thing that you want to consider is how many items have you have purchased where you actually used the warranty? Warranties are a marketing tool. I would guess that at least 98% of receivers from reputable manufacturers function properly for years after their warrany period ends without ever needing repairs. In the 30 plus years that I have been involved with A/V equipment as a hobby, I have purchased dozens of components (at last count I have had 11 televisions, 11 receivers, 7 DVD players, 23 VCRs, etc.) and I have had to have warranty work done 2 times. One was a Sony VCR about 10 years ago and the other was the amp in a Infinity speaker this year. I purchased an extended warranty once and the VCR that it was purchased for required repair 5 years after the extended warranty expired and cost less to fix than I had paid for the warranty. If I had made all of these purchases based of warranty considerations, or had purchased extended warranties, I would have spent thousands of extra dollars with nothing to show for it.
Just something to think about.